Is it necessary to carry uninsured motorist coverage in a no-fault state such as Florida?

While Florida is a no-fault state, it does not eliminate the requirement to carry an insurance policy. All car owners must maintain a mandatory insurance policy known as Personal Injury Protection (PIP) coverage. PIP coverage serves as the primary protection for medical costs and other eligible expenses for the policyholder and passengers regardless of who is at fault in an accident. However, it is worth noting that uninsured motorist (UM) coverage is not mandatory in Florida.

Uninsured motorist coverage can provide additional financial protection in case you are involved in a car accident with someone who does not have insurance or if the other party's insurance policy limits are insufficient to cover your damages. UM coverage would help compensate for your medical bills, lost wages, pain, and suffering, subject to the limits specified in your UM policy.

It's important to weigh the potential benefits and costs associated with UM coverage to make an informed decision about whether to purchase it. Factors to consider include your personal circumstances, driving habits, and the frequency of uninsured drivers in your area. While liability insurance is not required in Florida beyond the PIP coverage, it may also be worth considering if you want broader coverage. If you still have doubts, it's a good idea to consult with an insurance professional or agent to discuss your individual situation and coverage needs.